For profit organizations are not eligible for Star Checking Accounts. This includes all organizations operated for profit, such as corporations, partnerships, associations and business trusts (but not sole proprietorships).

Features: Minimum opening balance $10,000. Minimum balance $10,000. Minimum balance to obtain (annual percentage yield) APY is based on the following tier levels. $0.00 to $24,999.99, $25,000 to $49,999.99, $50,000 to $74,999.99, $100,000 and up. **Interest Rate and APY is variable for each balance tier (rate sheets are available upon request), subject to change at any time. Interest Computation Method is Daily Balance, Interest Compounding is Daily. Interest Crediting Frequency is Monthly. Interest begins to accrue on the business day you deposit cash or non-cash items (example: checks). Up to six withdrawals per month by preauthorized, automatic, or telephone transfer--unlimited transfers are allowed in person and at the ATM. Accounts closed before the end of the statement cycle forfeit accrued interest. Monthly maintenance service charge of $26 if the daily balance drops below $10,000 any day of the month. *Overdraft fee per item is $35. Monthly imaged statement, ATM & Anytime Help Line accessibility. ATM & Other fees may apply. (see fee chart).

Features: Minimum balance $1000. Minimum opening balance $1000. **Interest Rate and (annual percentage yield) APY are variable rate subject to change at any time, monthly imaged statement, up to six withdrawals per month by preauthorized, automatic, or telephone transfer – unlimited transfers are allowed in person and at the ATM.. ATM accessibility, VRU accessibility. Interest terms: Interest begins to accrue on the business day you deposit cash or non-cash items (example checks). Interest is computed on daily balance. Interest is compounded daily and credited monthly. Accounts closed before the end of the statement cycle forfeit accrued interest. Account Charges: Monthly maintenance service charge of $6 if the daily balance drops below $1000 any day of the month. *Overdraft fee per item is $35. ATM and bookeeping fees may apply (see fee chart).

Features: Minimum balance $100. Minimum opening balance $100. Up to six withdrawals per month – unlimited deposits. Passbook required to process transactions. Interest terms: Interest begins to accrue on the business day you deposit cash or non-cash items (example checks). Interest is computed on daily balance. Interest is compounded daily and credited quarterly at the end of the calendar quarter. **Interest Rate and (annual percentage yield) APY are variable rate and subject to change at any time. Accounts closed before the end of the quarter forfeit accrued interest. Account Charges: Monthly maintenance service charge if the balance drops below $100 any day of the month is $3. Fee for withdrawals exceeding 6 per month is $1 per withdrawal. Fee for re-issuing a lost passbook is $5.

The State Bank Group’s IRAs are a smart way to save for your future. Most IRA accounts are tax deductible and have a maximum yearly contribution that is set by the IRS. If you already have an IRA, you should have it reviewed on a regular basis to make sure you are receiving maximum benefit from it. Now is the time to take advantage of an IRA account that may provide you with tax deferred savings. We offer:

Traditional IRAs

Roth IRAs

IRA Certificates of Deposit

SEP IRAs

*Please contact one of our offices for current rates. IRS regulations regarding IRAs are constantly being updated. Changes such as new contribution limits and new types of accounts are common, so check with one of our new accounts associates to get all the details.

With UChoose Rewards®, you choose where to shop and what to get for all the points you earn. Most rewards programs have limited options on where to shop and it takes forever for your points to accumulate. UChoose Rewards® changes all of that.

There’s never been a better time to start using your State Bank Mastercard Debit Card for your everyday needs. Simply use your card at gas stations, supermarkets, drugstores, malls, or anywhere else. Remember to sign for your purchases to earn the most points. The more you shop and sign, the more you earn and the more you earn, the more you are rewarded.

How Does It Work?

• Earn 1 point for every $2 spent each time you use your card and sign for your purchases.• Earn 1 point for every $5 spent each time you use your card at a PIN Point of Sale, Bill Pay or PINless Debit.• Earn additional points by shopping at participating retailers in-store, or online at the UChoose website.• Redeem points for millions of items - choose from a wide array of products from travel experiences and activities, event tickets, to merchant gift cards, and much much more!

It’s that easy!

An Elan Visa Card gives you an edge. The more you use it, the more you'll benefit-with streamlined accounting, solid purchase protection and certain cards have no annual membership fee with one purchase per year. Request an Elan Visa Card brochure, or pick one up in the lobby at any of our bank locations. At The State Bank Group, our industry leading {consumer or business} credit card products offer competitive pricing combined with a full range of reward options - making it easy to select and apply for the card that meets your needs. Learn More or Apply Now

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Harvard Savings Bank ATM Locator Harvard Savings Bank customers can use the ATMs of The State Bank Group and vice-versa and any ATM fees for using either bank’s ATMs will be waived.

*NOTE: Overdraft fees may apply when there are insufficient or unavailable funds and the account becomes overdrawn. The fee applies to overdrafts "created by check, in-person withdrawal, or other electronic means." Overdraft fees may apply when the item is paid or returned NSF. Overdraft/Negative Balance per day fee may apply, refer to fee schedule.